Life change, political, and demographic factors associated with past use, projected use, and perceived community needs for services by the aged were examined. Data were derived from interviews conducted with men and women 65 or over in a midwestern community. Life changes were more useful in explaining relationships with health and social services among men than were demographic and political variables. But among women, there was less difference in the amount of variance explained by the three groups of variables. Although men and women differed little in the extent to which they had experienced life changes, discontinuity was differentially associated with their responses to health and social services.